Banking Sector Financial Highlights

Robust bottom-line growth and profitability Profit (adjusted)* +23.1% ROE* +29.8% All currency data are in GEL m unless otherwise stated 34.6% -7.8% 33.7% 32.0% 32.4% 31.1% 30.7% 1,046 27.9% 387 806 357 326 290 301 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 Profit (reported) 290 638 +32.4% +23.1% -12.5% ROA* 5.6% 1,067 4.7% 4.8% 4.9% 4.4% 4.4% 4.3% 806 409 357 301 9M22 9M23 3Q22 4Q22 1Q23 2Q23 3Q23 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 *4Q22 figures adjusted for a one-off GEL 391.1m other income related to the settlement of an outstanding legacy claim and a one-off GEL 79.3m income tax expense, and 2Q23 and 9M23 figures adjusted for a one-off GEL 21.1m other income, related to the settlement of an outstanding legacy claim 33

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